Independent Financial Advisors & Wealth Management Services

Call Us On: 0115 958 4115

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Independent Financial Advisors & Wealth Management Services

Call Us On: 0115 958 4115

Login into your servicesLearn More

A Quick Introduction

We commit to provide you with a first class service with the competency needed in an ever changing and complex environment. We provide a personalised, efficient and competitively priced service nationwide from our offices in central Nottingham.

We currently assist in the management of nearly £200 million in a range of financial products, including ISA’s, Flexible Drawdown Plans and General Investment accounts. Our clients are typically close to or have reached retirement and use our expertise to deliver peace of mind, helping them enjoy a financially secure future.

As a long established firm of Independent Financial Advisers we also provide one off solutions too and can help with a variety of financial services. We are an ethically minded and hardworking team. Our emphasis on providing an exceptional and expert service with a fair and transparent pricing structure sets us apart from many others.

Please feel free to call for an informal discussion on how we can help you.

Contact Us Today

Protecting Your Income

It is a sad fact that while most of us are quite happy to insure our car, our house, our travel arrangements – even our mobile phones – to their full value, few of us take quite as much care over our own health and that of our loved ones.

Guide to making the most of your savings.

Some basic guidelines to help you maximise the potential return from your money.

A Guide to Annuities

It takes many years of planning, saving and sacrifice to build up a significant pension – and, after all those years, you want to be sure you are making the most of it.

Should I defer taking my State Pension

When you reach state pension age you are given the option to postpone the payment of your pension.

How should families discuss their finances?

We are seeing the largest inter-generational wealth transfer in history – an increase of 66% in the United Kingdom over the next 10 years to £115 billion in 2027, according to the Centre for Economics and Business Research.

Impact investing: the future of active management?

Investing for good is a fast growing trend – and one worth exploring for any professional or private investor. Many savers feel passionate about protecting the environment – in particular, reducing the amount of plastic waste.

What does good diversification look like?

Diversification used to be easy. Investors just had to mix equities and bonds. Not so today, as the influence of passive funds and monetary policy weighs on markets.

Don’t let a scammer enjoy your retirement

Find out how pension scams work, how to avoid them and what to do if you suspect a scam.

Tax-efficient Options

As life expectancy in the UK continues to rise, financial planning is becoming increasingly important. If you are thinking of saving for retirement, then you might consider a pension to be the best way to ensure you have enough to live on when you are older.

What is auto-enrolment?

One of the largest shake-ups in the history of UK pensions, automatic enrolment (auto-enrolment) was introduced in 2012 to provide wider access to pension savings. A changing demographic backdrop means that, although people in the UK are living longer, they are not saving enough to finance their increasingly long retirements.

Does manufacturing matter?

As US manufacturing slides, how important is it for global economic growth? And would trade talks resolve the problem?

Is stockpicking enough in a populist era?

Fund managers are fond of emphasising that they focus on stockpicking rather than troubling themselves with the broader macroeconomic landscape.

Why is the Bank of England not easing?

While the ECB and Federal Reserve are loosening monetary policy, the UK is holding out. Why?

Is the elastic about to snap?

The dominance of large growth stocks over unloved value names has proved the John Maynard Keynes adage that markets can stay irrational longer than investors can stay solvent.

The Fed has bitten the bullet on interest rates

The Federal Reserve has bitten the bullet on interest rates, but will the 25bps cut make any difference to the global economy?

All change at the head of Europe’s institutions

The UK is not the only place undergoing a change of leadership.

Brexit: no further forward

The third anniversary of the Brexit referendum came and went in June, and still, the issue of Brexit remained up in the air.

Open-ended funds: beyond redemption?

Open-ended funds aim to hold enough cash in reserve to allow the manager to meet redemptions without having to sell holdings.

Trade conflicts driven down yields

Bond yields fell during May as the trade conflict between the US and China took an unexpected turn.

A revival in Japan?

Against all expectations, the Japanese economy grew at robust pace of 2.1% in the first quarter of 2019.

Protecting Your Income

It is a sad fact that while most of us are quite happy to insure our car, our house, our travel arrangements – even our mobile phones – to their full value, few of us take quite as much care over our own health and that of our loved ones.

Guide to making the most of your savings.

Some basic guidelines to help you maximise the potential return from your money.

A Guide to Annuities

It takes many years of planning, saving and sacrifice to build up a significant pension – and, after all those years, you want to be sure you are making the most of it.

Should I defer taking my State Pension

When you reach state pension age you are given the option to postpone the payment of your pension.

How should families discuss their finances?

We are seeing the largest inter-generational wealth transfer in history – an increase of 66% in the United Kingdom over the next 10 years to £115 billion in 2027, according to the Centre for Economics and Business Research.

Impact investing: the future of active management?

Investing for good is a fast growing trend – and one worth exploring for any professional or private investor. Many savers feel passionate about protecting the environment – in particular, reducing the amount of plastic waste.

What does good diversification look like?

Diversification used to be easy. Investors just had to mix equities and bonds. Not so today, as the influence of passive funds and monetary policy weighs on markets.

Don’t let a scammer enjoy your retirement

Find out how pension scams work, how to avoid them and what to do if you suspect a scam.

Tax-efficient Options

As life expectancy in the UK continues to rise, financial planning is becoming increasingly important. If you are thinking of saving for retirement, then you might consider a pension to be the best way to ensure you have enough to live on when you are older.

What is auto-enrolment?

One of the largest shake-ups in the history of UK pensions, automatic enrolment (auto-enrolment) was introduced in 2012 to provide wider access to pension savings. A changing demographic backdrop means that, although people in the UK are living longer, they are not saving enough to finance their increasingly long retirements.

Does manufacturing matter?

As US manufacturing slides, how important is it for global economic growth? And would trade talks resolve the problem?

Is stockpicking enough in a populist era?

Fund managers are fond of emphasising that they focus on stockpicking rather than troubling themselves with the broader macroeconomic landscape.

Why is the Bank of England not easing?

While the ECB and Federal Reserve are loosening monetary policy, the UK is holding out. Why?

Is the elastic about to snap?

The dominance of large growth stocks over unloved value names has proved the John Maynard Keynes adage that markets can stay irrational longer than investors can stay solvent.

The Fed has bitten the bullet on interest rates

The Federal Reserve has bitten the bullet on interest rates, but will the 25bps cut make any difference to the global economy?

All change at the head of Europe’s institutions

The UK is not the only place undergoing a change of leadership.

Brexit: no further forward

The third anniversary of the Brexit referendum came and went in June, and still, the issue of Brexit remained up in the air.

Open-ended funds: beyond redemption?

Open-ended funds aim to hold enough cash in reserve to allow the manager to meet redemptions without having to sell holdings.

Trade conflicts driven down yields

Bond yields fell during May as the trade conflict between the US and China took an unexpected turn.

A revival in Japan?

Against all expectations, the Japanese economy grew at robust pace of 2.1% in the first quarter of 2019.

Investments

We are clear from the outset that no one can predict the future and investors should never attempt to second guess the direction of an investment market. For those clients suited to investments with risk, we can apply our process which provides common sense guidance and direction reflecting your individual circumstances and objectives. We will work with you, as we do for hundreds of clients already, to gauge and determine the most suitable course of action.

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Retirement Planning

Helping you prepare for retirement is an important aspect of our service. We are here to assist with reviewing and increasing your provision. We want to ensure you have a good understanding of your wealth and what it can achieve. For those very close to retirement the various options can be misleading. A popular choice is Flexi Access Drawdown, taking advantage of the pension freedom legislation introduced in 2015. We can help determine whether this is a sensible decision for you after considering your overall circumstances. We will always recommend a strategy that reflects your financial position and individual needs.

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Tax Planning and Mitigation

Each year you are provided with a number of tax allowances, which when combined can produce a particularly tax efficient method of managing your wealth. If an Investment Platform is suitable for you, money can be transferred between accounts allowing you to maximise your individual savings account (ISA) allowances and take advantage of capital gains tax allowances. You can defer and mitigate income tax on investment proceeds using offshore arrangements and adopt a variety of strategies to reduce inheritance tax. It will always be our aim to deliver our services in the most tax efficient way possible and we will constantly update our guidance to you based on the ever changing tax climate.

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About Us

Established in 2000, Sterling Financial Services is an independent financial advisory firm. Based in Nottingham, we provide a national service in all areas of financial planning. We offer a wide range of financial services including wealth planning and financial planning. An acute attention to detail along with actionable and practical advice puts you in complete control of your finances.

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Reasons To Choose Sterling

Right from the start, we make it clear that we are not a sales orientated firm. We fully appreciate that engaging or replacing a financial advisor is not a decision to take without thorough consideration. With that being said, we do everything we can to make your transition as smooth and easy as possible. We make it our mission to provide warm and friendly advice complemented by analysis and guidance to help you and your wealth go further.

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Calculators

This section contains a selection of useful calculators. Here you will find handy tools to calculate mortgage payments, savings figures and interest rates.

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Defined Benefit Pension Transfers

We are pleased to provide advice to those thinking about transferring their defined benefit pension benefits. However, before we are engaged individuals need to be aware that transferring secure retirement provision to an arrangement that is investment based is rarely advisable.

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Privacy Statement

Sterling Financial Services Privacy Statement.

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Warning

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

If you wish to register a complaint, please write to us or telephone 0345 4080 707.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

Service Standards

Sterling Financial Service Standards.

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